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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,922 | $77,164-79.4% | $178,014-91.1% | $80,874-80.3% |
| Participation rate | 39.7% | 65.7%-26.0pp | 77.1%-37.4pp | 67.6%-27.9pp |
| Annual return | 24.30% | 18.09%+6.2pp | 294.80%-270.5pp | 35.62%-11.3pp |
| Employer contribution / active EE | $928 | $2,288-59.4% | $3,950-76.5% | $2,756-66.3% |
| Participant deferral / active EE | $1,643 | $4,408-62.7% | $6,276-73.8% | $4,297-61.8% |
| Admin fee / account holder | $2,889 | $7,164-59.7% | $10,362-72.1% | $6,935-58.3% |